How to Pick Home Insurance Based On Your Needs

Posted on November 27, 2024November 26, 2024 by admin

The Isom Insurance Group serves Polk County, FL, and beyond and can provide many types of coverage. For example, we can help you narrow your homeowner’s policy and satisfy you. Here’s what you need to do to get the most out of this process with us.

Know What You Need

Talk with us about the cost to fully rebuild your home and other concepts, such as dwelling coverage, inflation, and extended replacement needs. These expenses are essential to consider because the world will change and can significantly impact what your policy covers.

Consider Add-Ons

Extra policy protection may include scheduled personal property protection, sewer and water backup support, equipment breakdown, and home business endorsements. If you fall under any of these headings, consider these, as they provide great value at reasonable rates.

Don’t Forget Disasters

Florida homeowner insurance will protect against some disasters (in a state that experiences many) but not all. For example, floods and earthquakes aren’t covered. Even if we don’t get too many earth-shaking experiences here, floods are far more common due to hurricanes.

Read Policies Very Closely

Sit down and read through your policy to make sure it makes sense. The home insurance declaration page is significant, laying out everything you need to know. Get 3-4 of these from various providers and compare and contrast your options to choose.

We’re Here for You

At The Isom Insurance Group, we can help Polk County, FL, residents understand their homeowner’s policies. We’ll sit down with you, walk through the process, and ensure you know what’s happening. In this way, you’ll get the help you deserve to thrive and minimize potential financial issues if something happens to you.

Tips for getting your home ready for fall

Posted on August 30, 2024August 29, 2024 by admin

As summer winds down, thoughts turn to cooler weather and preparing your home for those cooler nights. While the fall weather in Florida is not as different as it is in other parts of the country, fall is hurricane weather in the Southeast. At The Isom Insurance Group in Polk County, FL, we ensure that our customers don’t have to worry about the fall, whether their home insurance is up to date or what they need.

Get your heating unit serviced

In Florida, you are likely to have either a split system or a heat pump and AC. In the fall, there may start to be chilly nights when you want to turn the heat on, and you want to make sure that your system is in good condition and working as efficiently as possible.

Make sure your gutters are clear.

The fall can be very rainy, and if your gutters are filled with debris from trees in your yard, the water can back up and damage your eaves and your roof. If you are going to clear them yourself, make sure that someone is with you and spot them if you lose your balance. Even better, hire someone to do it for you.

Make sure your lawn furniture is secure.

Because fall is hurricane season, it is wise to ensure that your lawn furniture is secured or easy to carry indoors. If you are going to be away at any time, take everything in from the yard, including ornaments, portable plants, and furniture, and put them in the garage for safekeeping.

Call our office at The Isom Insurance Group in Polk County, FL. We will ensure that you have the home insurance you need for your particular home.

Weird Things Covered by Home Insurance

Posted on May 31, 2024June 7, 2024 by admin

You probably know that your home insurance policy covers your home’s structure and contents. However, there are things you may not realize are covered. We offer homeowner’s insurance at The Isom Insurance Group in Polk County, FL.

Identity Theft

Identity theft is a common threat these days, with 9% of adults experiencing identity theft in 2021. If you are a victim of identity theft, your homeowner’s insurance may cover the costs, including legal expenses and any transactions you weren’t responsible for.

Falling Objects

A meteor falling out of the sky is probably low on your list of worries. However, your homeowner’s policy will cover damage caused by falling objects. This includes meteors, airplanes, and satellite debris.

Living Expenses

If you can’t stay in your home, you have two problems: repair or replacement of your home and having a place to live in the meantime. The costs of these can quickly add up.

If your home is temporarily unlivable or destroyed, your homeowner’s policy will cover your living expenses until you can move back in. This includes rent or hotel fees, food, and transportation costs.

Spoiled Food

You probably don’t think much about the cost of the food in your fridge. However, this can be an unexpected expense if your food spoils due to a power outage. If your food spoils due to a covered event like a power outage, your homeowner’s policy will cover the costs of restocking your fridge.

Burglary

If you have a burglary, your homeowner’s policy will cover any stolen items and any damage that occurred. It also covers changing your door locks.

Homeowner’s Insurance with The Isom Insurance Group

If you need homeowner’s insurance in Polk County, FL, contact The Isom Insurance Group. Our friendly agents are here to discuss your needs and help you select the best policy for your situation.

Will Home Insurance Pay For Energy Upgrades?

Posted on February 28, 2024February 28, 2024 by admin

Florida offers tremendous benefits to residents, including year-round sunny weather and breathtaking vistas. But one drawback to living in Florida is the summer heat, which requires almost constant air conditioning. If your home isn’t well insulated, the energy costs can be exorbitant. Many homeowners in Polk County, FL, consider energy upgrades to insulation, home appliances, and HVAC systems in order to control expenses. A common question asked of The Isom Insurance Group serving Polk County, FL, is whether home insurance pays for energy upgrades. Unfortunately, the answer is almost always no.

Cases Where Energy Upgrades May be Covered

If your home or one of its systems is damaged in a covered event, such as a fire, flood, or storm damage, you may be able to get some coverage for energy upgrades. Although not directly covered, if you need to replace a home appliance due to a covered event, you can choose a modern one with a higher ENERGY STAR rating. But if you add energy upgrades to a covered claim—for instance, added insulation when you have to replace the roof due to a fallen tree—the insurance may not cover the expenses related to the energy upgrade.

Other Benefits of Making Energy Upgrades

While you may not get insurance benefits for energy upgrades, there are other ways this kind of improvement pays off. You may increase the value of your home in the eyes of a buyer, and you’ll most certainly see the benefits in your energy bills each month. From this standpoint, energy upgrades are almost always worth the upfront cost.

Home Insurance in Polk County, FL

Do you have other questions related to home insurance? The Isom Insurance Group, serving Polk County, FL, is here to answer your questions or start a new policy for you. Contact us today to get started.

Can Home Insurance Protect a Fine Art Collection in the Home?

Posted on November 17, 2023November 22, 2023 by admin

One of the chief concerns our team of insurance professionals at The Isom Insurance Group in Polk County, FL hears from our clients who enjoy the finer things in life is whether or not they’ll be able to protect their collection of valuable art pieces from theft. If you’ve ever lost something valuable or even had an expensive belonging stolen, you know how devastating it can be to try to replace it on your own. In situations like this, you’ll want to know if your home insurance coverage might be able to help you recover some or all of the value of the stolen fine art piece or other items from your collection.

Does Home Insurance Typically Cover a Fine Art Collection?

As with anything in the insurance world, it’s much better to have an idea of whether you could reasonably expect your insurance policy to cover something before you need to rely on it to recover funds for a qualifying event. That way, you won’t be left scrambling when the unexpected happens with no way of covering the unanticipated expenses. Although every insurance policy has terms and limits that are unique to that policy, we can speak to the things that home insurance policies typically include in their coverage.

Home Insurance policies usually cover valuable belongings in the case of theft. Before you assume that your policy protects your fine art collection against theft, you should speak with an agent at our office. They’ll have the best idea of whether this would apply to your situation.

For more information about how our home coverage policies could keep your fine art collection protected against theft and other issues, call our team at The Isom Insurance Group in Polk County, FL today!